Keep growing your business when tax is due
Let’s face it, when you’re seeking innovative ways to support business growth, selling the office chairs or getting inspired with motivational podcasts isn’t going to cut it. But there are clever answers – you can use your provisional tax payment as a line of credit. Learn how in our cashflow guide.
Make provisional tax
your best friend
With TMNZ, your provisional tax is an opportunity waiting to be realised.
We can help you use better tax payment strategies to improve cashflow, reduce interest costs, and open up another source of working capital for your business.
Put overpaid tax to work
Take control of provisional tax payments and earn interest on overpaid tax, or even draw on it as a line of credit to create working capital for your business. Plus, you’ll avoid the headache of a loan application, conversation with a bank, or IRD paperwork.
Improve cashflow, gain certainty
Manage provisional tax payments on a schedule that works for you, and the known and unknown fluctuations of your business.
Save on interest and penalties
With much lower interest rates than the IRD or the banks, TMNZ can help you save when meeting those pesky provisional tax payments, while avoiding penalties too.
The ultimate guide to better cashflow management
Finding smarter and cheaper funding sources is just one answer to helping cashflow in your business. Download our Cashflow Management Guide for more solutions to improve business cashflow.
You'll learn:
- How to assess your businesses’ cashflow situation
- Common mistakes
- Tips for cashflow forecasting
- Simple ways to improve cashflow
Cashflow management guide
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"TMNZ is an easy working capital option for businesses, particularly in an environment where cashflow is causing a lot of constraints"
– Kathleen Payne, Head of Advisor Relationships, TMNZ
Working Scenarios
"But how does it actually work?" you ask
Well, let us show you. We’ve created three scenarios*, based on common Kiwi business situations, to showcase how we can help businesses manage tax costs, and tailor a strategy to their unique situation.
Reducing Cost of Funds on a Dairy Farm in Southland
By creating a long-term plan to address variabilities in cashflow, you can plan ahead and secure lower interest on funds to cover costs.
Utilising Future Tax to Create Working Capital in an Auckland Real Estate Agency
By matching peak periods with future planning, you can earn interest and create a facility to fund business growth when opportunities arise.
Managing Uncertainty in Tax and Costs in a Waikato Construction Company
Using TMNZ solutions, and seasonal financial planning, tax obligations can be managed to align with business and project outcomes, not IRD deadlines.
*These scenarios are fictional examples created to demonstrate how tax management solutions work to meet unique circumstances in a range of industries.